| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +3.9% | +1.0 pts |
| Share growth (YoY) | +4.2% | +3.3% | +0.9 pts |
| Loan growth (YoY) | -2.6% | +2.9% | -5.5 pts |
| ROA | 1.22% | 0.69% | +0.5 pts |
| ROE | 7.5% | 5.9% | +1.5 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $109.7M | $91.6M | $71.0M | $17.9M | $334K | 1.22% | 4.29% | 0.77% | 7,856 |
| Q4 2025 | $107.8M | $90.0M | $72.2M | $17.5M | $1.4M | 1.27% | 4.31% | 1.02% | 7,855 |
| Q3 2025 | $106.5M | $89.1M | $71.9M | $17.1M | $955K | 1.20% | 4.32% | 0.98% | 7,924 |
| Q2 2025 | $107.4M | $90.4M | $73.0M | $16.8M | $631K | 1.17% | 4.19% | 0.90% | 7,997 |
| Q1 2025 | $104.6M | $87.9M | $72.9M | $16.6M | $370K | 1.41% | 4.20% | 0.52% | 7,985 |
| Q4 2024 | $100.4M | $84.2M | $73.4M | $16.1M | $1.2M | 1.23% | 4.37% | 0.71% | 7,975 |
| Q3 2024 | $100.6M | $84.6M | $73.9M | $15.9M | $983K | 1.30% | 4.36% | 0.66% | 8,038 |
| Q2 2024 | $98.7M | $83.0M | $72.3M | $15.6M | $638K | 1.29% | 4.37% | 0.59% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.69% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 5.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 8,060 |
Loan mix (Q1 2026): real estate $28.5M · commercial $0 · consumer $32.8M · securities $20.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 78.7% | 39th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.